Diagnostic des Facteurs de Developpement du Marche de l’Assurance Vie au Cameroun

Dudjo Yen Gildas Boris; Djimodoum Ndolede Djimtabe

doi:10.19044/esj.2023.v19n19p129

Dudjo Yen Gildas Boris Enseignant-Chercheur, IUT-FV de Bandjoun Université de Dschang, Cameroun
Djimodoum Ndolede Djimtabe Laboratoire de Recherche en Economie Fondamentale et Appliquée (LAREFA), Université de Dschang, Cameroun

DOI: https://doi.org/10.19044/esj.2023.v19n19p129

Keywords: Assurance-vie, Sécurité sociale, MRQ, Cameroun

Abstract

L’objectif de ce travail est d’examiner la contribution de l’assurance-vie, en tant que facteur de sécurité sociale au Cameroun. Le marché de l’assurance-vie en Afrique subsaharienne et particulièrement dans la zone CIMA/FANAF est nettement inférieur à la moyenne du marché mondial (L’Afrique en représente 1,1% (marchés vie et non vie), la plus grande part étant représentée par l’Amérique avec 44,2%, devançant l’Europe (28,0%) et l’Asie-Pacifique émergente 13,5% (FANAF, 2023). Le faible développement du marché de l’assurance-vie peut s’expliquer par des caractéristiques d’ordre socioculturelles et économiques des populations. L’assurance-vie vise deux finalités, la prévoyance et/ou l’épargne. Elle apparaît ainsi comme une technique efficace de protection sociale. Nous avons utilisé la méthode de recherche qualitative (MRQ) basée sur une étude de Cas. Les données proviennent des entretiens semi-directifs menés au sein d’une entreprise d’assurance au Cameroun. À la suite d’une démarche interprétative des verbatims, les principaux résultats montrent que la nature de l’environnement, le contexte économique et les caractéristiques du marché de l’assurance-vie influencent significativement le niveau de développement du secteur des assurances au Cameroun. À l’issue de ce travail, nous recommandons à Prudential Beneficial Life Insurance de réadapter ses produits, augmenter son capital humain, s’adapter à l’évolution des consommateurs et investir dans le numérique.

The objective of this work is to examine the contribution of life insurance as a factor of social security in Cameroon. The life insurance market in sub-Saharan Africa and particularly in the CIMA/FANAF zone is significantly lower than the world market average (Africa represents 1.1% (of life and non-life markets), the largest share being represented by America with 44.2%, ahead of Europe (28.0%) and emerging Asia-Pacific 13.5% (FANAF, 2023). can be explained by the socio-cultural and economic characteristics of populations. Life insurance has two purposes, provident insurance and/or savings. It thus appears to be an effective technique of social protection. We have used the method of qualitative research (MRQ) based on a case study. The data comes from semi-structured interviews conducted within an insurance company in Cameroon. Following an interpretative approach of the verbatims, the main results show that the nature of the environment, the economic context, and the characteristics of the life insurance market significantly influence the level of development of the insurance sector in Cameroon. At the end of this work, we recommend that Prudential Beneficial Life Insurance readapt its products, increase its human capital, adapt to changing consumers, and invest in digital technology.

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